**** happened yesterday, I was driving my 86 Civic Si beater on a busy road, and this guy with a 03 350Z on my left, somehow, my left front fender hitted his right front fender and bumper, there is no even a dent on his car, just scratch some paint off.
I was thinking if it's like $500 bucks or so, I will not record to my insurance cause my agent told me my premium will go up at least $200 every 6 mos. But wow, the body shop quoted that it cost at least $2000 to fix the damn Z. I am going to record to my insurance and this is my first ever fxxking accident for the 10 yrs that I have been driving. I am so shame that I broke my record, and I still can't understand why I ran over the lane and hit him.
So, how long will this record stay on my policy?
Now, I just heat Nissan even MORE!!!

 

Insurance companies typically check back 3 years into your driving record.

P.S. Is English your second language?

 

3 years

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Mugen Mike &raquo;</TD></TR><TR><TD CLASS="quote">Insurance companies typically check back 3 years into your driving record.

P.S. Is English your second language?</TD></TR></TABLE>

You are right. Sorry if my grammer was all mess up, I don't have the mood to really think of grammer right now. Usually, my English is pretty good.

 

Most Ins Co are looking back 39 months now...

 

eh, 3.25 years? why the extra .25?

 

I dunno... strange but true.

 

ive been shopping around lately for insurance and statefarm, progressive, and all state all look for the past 5 years

 

CA insurance companies only rate accidents on policies for 3 years, but they will consider accidents for up to 7 years when they are determining what tier level you should be at.

 

California is 3 years...all points are 3 years except 2 point violations, i.e. Drunk driving

Austin - who's had to research the law in his past

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Soup **** &raquo;</TD></TR><TR><TD CLASS="quote">ive been shopping around lately for insurance and statefarm, progressive, and all state all look for the past 5 years </TD></TR></TABLE>

I just signed with Progressive yesterday. My agent said the go back 3 years *shrug*

 

damn that sux 3 years is a pretty long time cuz i gota speeding ticket last time for goin 110 on the freeway rollin on 4th gear with vtec and i just looked at my insurance policy and found that it was 1 minor on the scale

 

call your agent - it varies from company to company....

when did this become the ITR / Insurance forum?

 

They can usually look back as far as they want, but law prohibits them from raising rates based on anything beyond 36 months. This refers to felonies and such.
<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by Mugen Mike &raquo;</TD></TR><TR><TD CLASS="quote">

I just signed with Progressive yesterday. My agent said the go back 3 years *shrug*</TD></TR></TABLE> Good luck man

 

Typically the check 3 years back, but laws reguarding how far back they can use your history to raise your rates varries. As for progressive, I actually had an at fault accident with a loss valued at $2,500. They didnt raise my rates at all when I renewed my policy. Aparently they assign you points towards a rate increase. Once you get a certian number of points, they raise your rates.

 

200 every 6 months. Try 2000 every 6 months. They raised mine that much when i got into my first acadent when i was 16.

 

<TABLE WIDTH="90%" CELLSPACING=0 CELLPADDING=0 ALIGN=CENTER><TR><TD>Quote, originally posted by 98ITR#0020 &raquo;</TD></TR><TR><TD CLASS="quote">Good luck man </TD></TR></TABLE>

What's that supposed to mean?

 

ok you americans needs to stop bitching about your insurance..

it's like free compared to where i live...

anyone paying more than i do? $8000CAD a year? ok in USD it's $5,886